There are many reasons why you might want to get a free instant online credit report, but one
of the most important is to check for errors. Lenders aren't the only ones who check
credit reports. Employers, insurance companies and landlords also want to know how you handle
your finances. And since a survey done by the consumer group USPIRG showed that a amazing
70% of the credit reports had an error, it's makes sense to check your free instant online
credit report.
After checking your free instant online credit report, if you find an error or omission, you
need to write the credit bureau with an explanation of the mistake. If you have documents
to support your claim, send copies of them with your letter. By law, the bureau must
investigate all serious disputes and if the original information is found to incorrect or can't
be verified, then it must be changed or removed.
From the time you spot the error in your free instant online credit report and contact
the credit bureau, it has 30 days to complete its investigation of the disputed information.
When the investigation is completed, the bureau must send you a written copy of the results
and a free copy of your report if there was a correction made.
If the source of the disputed information in your free instant online credit report doesn't
verify it in time, it's deleted or changed. But if that source latter verifies it and wants it
reinserted, the credit bureau must notify you that the item is being put back. It also must
give you the name, address and phone number of the information supplier.
If your dispute changes the information in your free instant online credit report, then
you have the right to request that creditors be notified of the change. The credit bureau
must then send the corrected information to anyone who requested your report in the last
six months or two years if it was an employer.
To get your free instant online credit report, free credit score and free 30 days of credit
monitoring, please go to
free instant credit reports.
